Below are the detailed coverage specifications for each type of home:

Detached House

Building

Covers the repair or replacement of the building structure, cleanup, and debris removal expenses, as well as construction and repair costs. This includes essential components such as electrical, heating, and plumbing systems, as well as interior finishes like flooring, countertops, paint or wallpaper, doors, carpets, landscaping, and fences, etc. The insurance company commits to payment based on the guaranteed replacement value, ensuring coverage even if the actual rebuilding cost surpasses the policy limit.

Outbuilding

This coverage extends to additional structures such as garages, gazebos, sheds, etc., mirroring the protection provided by building insurance. This ensures that these structures are comprehensively safeguarded in the event of an accident or unforeseen circumstances.

Service Line

Protects against damage to underground pipes, covering repair costs and losses. Compensation is based on your insurance limits, encompassing cleanup, removal of damaged materials, and repair or rebuilding of pipelines and facilities. Additionally, if your home is uninhabitable during repairs, the insurance covers extra living expenses, such as relocation costs and temporary accommodations.

Building Bylaws

This coverage helps cover additional construction costs that may arise due to changes in local building regulations and requirements when your home sustains damage and requires repair or rebuild. Examples include installing fire sprinkler systems, adding electrical outlets, expanding doorways, indoor corridors, and other modifications.

Apartment/Townhouse

Improvements and Betterments

Covers improvements and upgrades made to your unit, such as flooring, curtains, and kitchen/bathroom appliances. The insurance compensates based on the replacement value of these enhancements, which includes labor, materials, and associated costs.

Strata Deductible Assessment Insurance

Crucial in situations where your unit causes damage to common areas and the damage amount is higher than your strata insurance’s deductible. This insurance covers the deductible portion of the strata insurance, for which you would be personally responsible. Typically ranging from $25,000 to $100,000.

Loss Assessment

If your unit causes damage to common areas and the damage amount is lower than your strata insurance’s deductible, loss assessment insurance steps in to cover the repair costs.

Contingent Liability

In British Columbia, the Strata Property Act requires that owners in strata buildings must repair or rebuild the building after it has been damaged, even if there is insufficient insurance coverage or if the coverage limits are not enough. In this situation, strata liability insurance comes into play. It can help you cover the additional expenses incurred due to the repair of common areas of the building, based on the limits of your policy. This type of insurance is crucial for protecting owners from potential losses resulting from inadequate or insufficient insurance, ensuring that each owner can contribute their share to maintain the safety and value of the building.

Here are the coverages common to both types of homes：

Personal Property

When you lose or damage your personal property due to accidents or other reasons, this insurance can compensate you based on the market value of the items. The following items are typically covered under personal property insurance
Furniture
Clothing
Dishes
Electronics
Jewelry
Bicycles
Plants
Gardening tools
Appliances
Barbecue grill
and more
In addition, the insurance will also cover the cost of cleaning and removing damaged items. It's important to note that for some specific items, such as jewelry, bicycles, or wine, there may be maximum compensation limits. However, in most of the situation, you can choose to pay additional premiums to get higher compensation limits to better protect your valuable items.

Liability

This coverage addresses damages or injuries sustained by third parties, for which the insured is legally liable. Instances may include slip-and-fall accidents on your stairs or driveway, accidental injuries to others during activities like cycling, or damage to a neighbor's property resulting from a fire on your premises.

Additional Living Expenses Insurance

This coverage offers assistance for extra living expenses when you need to vacate your residence for repairs or rebuilding after an accident. While you are still responsible for your usual expenses like mortgage payments, the insurance company covers additional living costs such as moving expenses, extra rent, security deposits, and, in some cases, temporary accommodation costs. For those with rental units and have purchased rental income insurance, it also compensates for any loss of rental income. This insurance is designed to help you maintain your normal life during emergencies and manage additional expenses, providing crucial support when your original home is uninhabitable.

Sewer Backup Insurance

Provides protection for your personal property against losses caused by water backup through drains.

Overland Water

Protects against property and property losses caused by fresh water, such as rainwater or river overflow. Note that this type of insurance typically does not cover losses related to saltwater, like those caused by tsunamis, high tides, or tidal waves.

Earthquake Insurance

Offers protection for losses to caused by earthquakes. It's important to note that there are some differences between earthquake insurance for detached houses and apartments/townhouses:
Detached House: Earthquake insurance typically covers the structure of the house and personal property. This means that if an earthquake damages your residence and personal belongings, the insurance company will provide compensation.
Apartment/Townhouse: Earthquake insurance for apartments and townhouses typically covers personal property exclusively and does not extend to the structure of the entire building, as this falls under the coverage of the strata's policy.

Identity Theft

In the event of identity theft, this insurance covers the expenses related to recovering your identity, including legal, notary, and government fees, etc. This insurance helps you deal with the hassle and costs of identity theft and provides additional security.

Medical Payments

Provides coverage for some basic costs related to medical treatment for injuries to third parties on your property due to your negligence. This helps ensure that in case of an accident, you won't have to personally bear the medical expenses of others, and the insurance provides the necessary support.

Privacy & Security Policy

Our Privacy Statement and Commitment

InsureLine Brokers (A.N.Y) values your business and we thank you for your confidence in choosing our firm as your source of advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. This document outlines our practice with respect to the collection, use, and disclosure of your personal information.

What we will not do with your information

We do not sell or share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.

InsureLine Brokers (A.N.Y) Privacy Statement

InsureLine Brokers (A.N.Y) below (“we”, “us” or “our”) take steps intended to meet privacy principles and requirements with respect to personal information under applicable Canadian privacy legislation. The purpose of this statement is to inform our customers and other individuals we deal with (“you” or “your”) how we collect, use, disclose, and protect your personal information. Personal information is information about an identifiable individual, as more particularly described under applicable privacy legislation. This Privacy Statement applies to our collection, use, and disclosure of personal information in Canada. This Privacy Statement does not apply to information about our employees or to information that is not personal information.

Personal Information We Collect

InsureLine Brokers (A.N.Y) and its agents and representatives collect personal information in a number of circumstances in the course of conducting our business. Personal information we may collect includes:

• name, address, email address, telephone number, and other contact information;

• age, birth date, social insurance number, ID numbers, gender, credit card numbers, or license plate numbers;

• information about your preferences, income, assets, or personal finances;

• medical records, credit records, loan records, driving record, employment records, insurance or transaction history;

• information about your insurance claims or claims history; and

• such other information we may collect with your consent or as permitted or required by law.

We generally collect personal information directly from you, for example, from application forms that you fill out for our insurance products and services, or when you communicate with us by telephone, email, or in person. We may also collect personal information about you from other sources, such as other insurance brokers, insurance companies, consumer reporting agencies, industry associations and data banks, investment product suppliers, marketing agencies, government agencies, claims adjusters, employers, and inspectors.

Use of Personal Information

InsureLine Brokers (A.N.Y) generally uses personal information to manage and administer our business, including to understand your insurance needs, communicate with you effectively and to provide you with the products and services you request. For example, InsureLine Brokers (A.N.Y) may use your personal information to:

• determine your eligibility for, offer and/or provide you with insurance products and services that you request;

• evaluate credit worthiness and monitor, collect premiums and fees;

• verify your identity;

• determine prices, fees, and premiums including by evaluating your coverage needs and assessing risk;

• maintain, administer, collect, service, and renew your account(s) and assess your ongoing needs for insurance products and services;

• update credit bureau reports;

• investigate and settle claims;

• determine your eligibility for and offer and provide other products or services that may be of interest to you, such as investment or retirement products or group benefits unless you ask us not to;

• detect and protect against error or fraud;

• compile statistics and conduct market research;

• maintain business records for reasonable periods;

• meet legal, regulatory, self-regulatory, insurance, security and processing requirements; and

• otherwise with consent or as permitted or required by law.

Disclosure of Your Personal Information

As necessary to carry out the purposes for which InsureLine Brokers (A.N.Y) collects and uses your personal information, InsureLine Brokers (A.N.Y) may disclose your personal information to third parties, such as other insurance brokers, insurers, consumer reporting agencies, claims adjusters, government, regulatory and self-regulatory agencies, lawyers, financial institutions, benefits providers, and medical professionals, and others involved in the claims handling process in accordance with legal and insurance regulatory reporting requirements or standard accepted insurance brokerage and insurance practices. InsureLine Brokers (A.N.Y) may also disclose your personal information with your consent or as permitted or required by law.

Disclosure to Affiliates. Personal information may be disclosed to our affiliates (including outside of Canada) for internal audit, management, billing or administrative purposes. We may also disclose personal information to our affiliates so that they may send you information about their products and services. However, if you do not want your personal information disclosed for these marketing purposes, you may contact us at any time as described further below.

Service Providers. InsureLine Brokers (A.N.Y) may transfer personal information to outside agents or service providers (including affiliates of InsureLine Brokers (A.N.Y) acting in this capacity) that perform services on our behalf. The services that may be performed by our agents or service providers consist of data processing, data warehousing or administrative services, or otherwise to collect, use, disclose, store or process personal information on our behalf for the purposes described in this Privacy Statement. Some of these service providers or affiliates may be located outside of Canada, including specifically in the United States, and your personal information may be collected, used, disclosed, stored, and processed in the United States or elsewhere outside of Canada for the purposes described in this Privacy Statement. Reasonable contractual or other measures we may take to protect your personal information while processed or handled by these service providers are subject to legal requirements in Canada, the United States, and other foreign countries applicable to our affiliates, agents, and service providers, for example, lawful requirements to disclose personal information to government authorities in those countries.

Business Transactions. Personal information may be used by InsureLine Brokers (A.N.Y) and disclosed to parties connected with the proposed or actual financing, securitization, insuring, sale, assignment, or other disposal of all or part of InsureLine Brokers (A.N.Y) or our business or assets, for the purposes of evaluating and/or performing the proposed transaction. These purposes may include, as examples:

• permitting those parties to determine whether to proceed or continue with the transaction; and

• fulfilling reporting, inspection, or audit requirements or obligations to those parties.

Assignees or successors of InsureLine Brokers (A.N.Y) or our business or assets may use and disclose your personal information for similar purposes as those described in this Privacy Statement.

Your Consent

InsureLine Brokers (A.N.Y) collects, uses, and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under statute or regulation to collect, use, or disclose personal information without your consent, for example, to comply with a court order, to comply with local or federal regulations, or a legally permitted inquiry by a government agency, or to collect a debt owed to us.

Consent to the collection, use, and disclosure of personal information may be given in various ways. Consent can be express (for example, orally or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an “opt-out” option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information either directly or through our agents, other insurance brokers, insurance companies, claims adjusters, or your employer, we will assume that you consent to our collection, use, and disclosure of such information for the purposes identified or described in this Privacy Statement, if applicable, or otherwise at the time of collection.

If you obtain insurance for a family member or other third party or otherwise provide personal information concerning a third party, including a family member, for example, by naming him/her as a beneficiary, you represent that you have obtained any necessary consent to our collection, use, and disclosure of his/her personal information for the purposes described above.

You may withdraw your consent to our collection, use, and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. There may be consequences to failing to provide or withdrawing your consent, such as your inability to acquire or renew an insurance policy and/or cancellation of a policy. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records and disclosures to Canadian and foreign government entities as required to comply with laws).

Security

We take reasonable physical, organizational, and technological security measures to safeguard the personal information in our custody or control. These include safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. Authorized employees, agents, and mandataries InsureLine Brokers (A.N.Y) who require access to your personal information to fulfill their job requirements will have access to your personal information.

Access, Correction, and Contacting Us

InsureLine Brokers (A.N.Y) may establish and maintain a file of your personal information for the purposes described above. Subject to applicable legal restrictions, you may request to have access to the file containing your personal information and the correction of your personal information by writing to the address below. We may take reasonable steps to verify your identity before granting access or making corrections. In addition, if you wish to make inquiries or complaints, obtain information on how to access and rectify the files held by personal information agents we consulted or have other concerns about our personal information practices (including our use of service providers located outside of Canada), you may write to the address below. Please include your name, address, telephone number, and email address whenever you contact us, including by email. This helps us handle your request correctly.

InsureLine Brokers (A.N.Y)

140 - 3411 No 3 Rd

Richmond, BC V6X 2B6

tony.ji@insureline.com

Privacy Statement Changes

This Privacy Statement may be revised from time to time. If we intend to use or disclose personal information for purposes materially different than those described in this statement, we will make reasonable efforts to notify affected individuals, if necessary, including by revising this Privacy Statement. If you are concerned about how your personal information is used, you should contact us as described above to obtain a current copy of this statement. We urge you to request and review this Privacy Statement frequently to obtain the current version. Your continued provision of Personal Information or use of our products or services following any changes to this Privacy Statement constitutes your acceptance of any such changes. This Privacy Statement is effective as of May 1, 2020.